Types of Insurance
Cornerstone Insurance Group is here to provide exceptional personal service and the best insurance products. If you need insurance for your home, automobile, farm, business or crops, we can show you the different options available for you. See for yourself why others look to Cornerstone Insurance Group for their insurance needs.
Home
Homeowners insurance protects you financially against unexpected disasters. A standard policy insures your home itself and the items you keep within your home. Homeowners insurance is so much more than simply keeping your home and processions safe. It can also cover liability or legal responsibility for any injuries and property damage you or a member of your family cause to someone else.
Auto
Auto insurance is intended to protect you if you cause injuries to others or damage another person’s property in an auto accident. Physical damage coverage can also be purchased to repair your vehicle if it is damaged or stolen. There are a variety of auto insurance coverage options available and premiums can vary from customer to customer. It is best to speak with your agent about what coverages are best suited for you and your family.
Flood
Flood insurance is available for homeowners, renters and condo owners/renters. Costs depend on how much insurance is purchased and the property’s flood risk. Typically there is a 30-day waiting period from the date of purchase before your policy goes into effect. Talk to an insurance agent to determine your flood risk and the best coverage for you and your home or business.
Bonds
A surety bond is a promise to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.
A fidelity bond is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
A fidelity bond is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Health
Health insurance is purchased to assist with costs associated with medical services when you are injured or sick. Like other insurance plans, you choose a plan and agree to pay a certain rate each month and your health insurer agrees to pay a portion of your covered medical costs. Other types of health insurance may cover more than just medial services including: prescription drugs, vision, dental, travel, life and disability.
Your individual or families’ needs will determine the best type of coverage for you. Our insurance agents will discuss with you your current and future family plans to best provide a health insurance plan to protect you and your family.
Your individual or families’ needs will determine the best type of coverage for you. Our insurance agents will discuss with you your current and future family plans to best provide a health insurance plan to protect you and your family.
Employee Benefits
Our insurance agents are able assist businesses in writing group health, vision, dental, or life insurance policies to offer to their employees as a benefit of employment.
Medicare Supplement
Policy that can help pay for health care costs that original Medicare doesn’t cover including: copayments, coinsurance and deductibles. Extended coverages may also be included such as medical care when you travel outside of the country. Talk to your insurance agent today to see if Medicare Supplement Insurance is right for you.
Renters
Renters Insurance acts similar to homeowners insurance for a person that is renting or subletting. It protects property of a renter and his or her possessions within the dwelling, as well as providing personal liability coverage. It does not include coverage for the dwelling or structure of the property, however.
Dwelling Fire
A dwelling fire policy is used to insure 1-4 unit residential dwellings that are not eligible for coverage under the standard homeowners program because of age, location, value or other factors. The dwelling can be completed or in the course of construction and can be either owner occupied or tenant occupied. Coverage for the structure is included in the policy, but an insured can add property, liability and other coverages at their discretion.
Condo
Condominium insurance is designed for the owner occupant of a condo and mirrors a homeowner’s policy. It provides coverage for the interior walls, fixtures, and personal property inside a condo and also includes personal liability coverage. Typically a condo development is managed by a homeowner’s association that collects monthly dues, maintains operations and enforces policies. A condo policy can also provide coverage for property that is deemed the insured’s responsibility under the association property owner’s agreement.
Business
Insurance coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability, business auto and employee-related risks.
Crop
Crop Insurance protects you against either the loss of your crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities.
In our agriculturally-based area, we understand the importance of the success of your crops each year. We know first-hand how you and your family rely on your crop production. Talk to one of our insurance agents today to see if Crop Insurance is right for you.
In our agriculturally-based area, we understand the importance of the success of your crops each year. We know first-hand how you and your family rely on your crop production. Talk to one of our insurance agents today to see if Crop Insurance is right for you.
Farm
A farm policy can be structured to meet the needs of your individual farming operation. Coverage can be provided to mirror a homeowner’s policy for homes located on a farm property, as well as providing coverage for farm buildings, equipment, tools, livestock and the many liability exposures that can exist while running a farm operation. Your insurance agent will ask you questions about your farming operations to help ensure you have all the coverages needed to best protect you and your farming business.
Life
Life insurance is a policy that pays out a sum of a money to a designated beneficiary upon the death of the insured person or after a set period of time. Depending on the policy purchased, payments may also be received on such occasions as terminal or critical illness. Life insurance typically falls into two categories: Protection polices – designated to provide benefit in the event of a specified event, and Investment polices – designed to facilitate the growth of capital by regular payments.
Long-Term Care
Coverage that provides assistance in paying for care needed when living at home or in an assisted living facility.
Boat
Boat insurance policies provide indemnity liability coverage on your boat and includes liability for bodily injury or damage to the property of others and damage of personal property on the boat. Physical damage coverage can also be added to cove the boat itself.
ATV
ATV (all-terrain vehicle) insurance, much like Boaters Insurance, can provide coverage for physical damage to an ATV. These policies include bodily injury liability coverage, liability for property damage to others, medical payments and uninsured/underinsured motorist coverage. Additional options, such as towing and labor, are available so you can customize your coverage to fit your needs.
Motorcycle
Motorcycle insurance can provide coverage for liability and/or physical damage arising from the operation of a motorcycle. A policy mirrors an auto insurance policy with bodily injury and property damage liability and physical damage (comprehensive and collision) coverages. Special coverages tailored to the needs of cyclists are also available.
Recreational Vehicle
Recreational vehicle insurance can provide liability and/or physical damage coverage arising from the operation of a vehicle designed as temporary living quarters for recreational, camping, travel or seasonal use. RVs can be motorized or towable.
For City of York Insurance Package Information (For City of York Employees Only)